FDIC Certificate #: 58562 Status: Active Federal Reserve ID: 3535848 Date Established: October 22, 2007 Trust Powers Granted: No Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 1 (Domestic: 1, Interstate: No) FDIC's unique #: 456619 Numeric code: 21 Regulator: FDIC Insurance Fund Membership: Deposit Insurance Fund (DIF) Insured commercial Banks: Yes FDIC Insured: Yes Deposit Insurance Fund member: Yes Ownership Type: Non-Stock FFIEC Call Report 31 Filer: No State Chartered: Yes Subchapter S Corporations: No Asset Concentration Hierarchy: Commercial Lending Specialization Date of Deposit Insurance: October 22, 2007 Last Structure Change Effective Date: October 05, 2011 Last Structure Change Process Date: October 17, 2011 Last Data Update: October 17, 2011 Data Source Date: April 05, 2012
Location
Address: 320 W. Eagle Drive, Suite 100, Denton, TX 76201 County: Denton Quarterly Banking Profile Region: Dallas FDIC Geographic Region: Dallas FDIC Supervisory Region: Dallas FDIC Field Office: Dallas Office of the Comptroller the Currency (OCC) District: Southwest Office of Thrift Supervision Region: West Metropolitan Statistical Area (MSA): Dallas, TX (#1920) Consolidated Metropolitan Statistical Area (CMSA): Dallas-Fort Worth, TX (#31) Combined Statistical Area (CSA): Dallas-Fort Worth, TX (#206) Core Based Statistical Area (CBSA): Dallas-Fort Worth-Arlington, TX (#19100) CBSA Metro Statistical Area: Dallas-Fort Worth-Arlington, TX (#19100) Core Based Statistical Division: Dallas-Plano-Irving, TX (#19124)
History of Changes
Name Change
Financial Summary
Total assets: $107.2 mil Equity capital: $12.3 mil Deposits held in domestic offices: $94.5 mil Return on assets (ROA): -0.08% (-$0.1 mil) Quarterly return on assets: -0.38% (-$0.4 mil) Return on Equity (ROE): -0.78% (-$0.1 mil) Quarterly return on equity: -3.32% (-$0.4 mil) Net income: -$0.1 mil Quarterly Net income: -$0.1 mil Pretax return on assets: -0.08% (-$85.8 mil) Quarterly Pretax return on assets: -0.38% (-$407.3 mil)
2000 - 2011 Historical total assets, liabilities and capital ($ mil)
Historical Total Incomes ($ mil)
Historical Total Expenses ($ mil)
Historical total employees (full-time equivalent)
Assets and Liabilities (December 31, 2011)
Dollar figures in thousands
31Total employees (full-time equivalent)
$107,192Total assets
$1,675Cash and due from depository institutions
$962Interest-bearing balances
$28,544Securities
$289Federal funds sold & reverse repurchase agreements
$71,046Net loans & leases
$1,290Loan loss allowance
$0Trading account assets
$790Bank premises and fixed assets
$4,068Other real estate owned
$0Goodwill and other intangibles
$107,192Life insurance assets
$780All other assets
$94,926Total liabilities and capital
$94,455Total liabilities
$82,655Total deposits
$94,455Interest-bearing deposits
$89Deposits held in domestic offices
235.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$236Subordinated debt
$12,266All other liabilities
$12,266Total equity capital
$12,266Total bank equity capital
$0Perpetual preferred stock
$2,914Common stock
$18,801Surplus
$-9,449Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$159Income earned, not collected on loans
$0Earning assets
$340Long-term assets (5+ years)
$100,841Average Assets, year-to-date
$39,277Average Assets, quarterly
$108,619Volatile liabilities
$107,920Insider loans
$66,836FHLB advances
$110,854Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$12,072Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$3,563Restructured Loans and leases
$0Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$5,000Total interest income
$929Total interest expense
$4,071Net interest income
-$505Provision for loan and lease losses
-$13Total noninterest income
$0Fiduciary activities
$66Service charges on deposit accounts
$0Trading account gains & fees
-$79Additional noninterest income
$4,729Total noninterest expense
$2,576Salaries and employee benefits
$671Premises and equipment expense
$1,482Additional noninterest expense
-$166Pre-tax net operating income
$82Securities gains (losses)
$0Applicable income taxes
-$84Income before extraordinary items
$0Extraordinary gains - net
-$84Net income attributable to bank
$0Net charge-offs
-$84Cash dividends
$477Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.95%Yield on earning assets
0.92%Cost of funding earning assets
4.03%Net interest margin
-0.01%Noninterest income to earning assets
4.68%Noninterest expense to earning assets
-0.15%Net operating income to assets
-0.08%Return on assets (ROA)
-0.08%Pretax return on assets
-0.78%Return on equity (ROE)
-0.78%Retained earnings to average equity (YTD only)
0.64%Net charge-offs to loans
-105.87%Credit loss provision to net charge-offs
-1.41%Efficiency ratio
116,535Assets per employee
3.46%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
1.78%Loss allowance to noncurrent loans
811.32%Noncurrent assets plus other real estate owned to assets
3.94%Noncurrent loans to loans
0.22%Net loans and leases to deposits
75.22%Net loans and leases to core deposits
79.73%Equity capital to assets
11.44%Core capital (leverage) ratio
10.89%Tier 1 risk-based capital ratio
18.06%Total risk-based capital ratio
Memoranda
$19Average assets
$108,619Average earning assets
$10,784Average equity
$100,999Average loans
List of branches
1 Texas Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
456619
Accessbank Texas
320 W. Eagle Drive, Suite 100, Denton, TX 76201
October 22, 2007
Full Service Brick and Mortar
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